Workers Compensation for Trucking Companies

No matter how many times you tell your drivers to lift with their back, get some help, or use the available equipment, someone always “forgets” once they get to the loading dock. Tired from the long haul or ready to be back on the road, it doesn’t matter. You’ve always got a driver or two skating on thin ice, and you know it’s a matter of time before someone gets hurt.

What will you do when that happens? If you’ve got worker’s compensation coverage, you – and your driver, will be fine. If not, you could be looking at thousands or hundreds of thousands of dollars in medical costs, lost pay, and even lawsuits.

What is Workers Compensation Coverage?

Workers compensation is insurance protection for you, your business, and your employees. Most businesses are legally required to have it in case an employee is physically injured, becomes ill, or dies while on the job. Medical costs and lost wages are paid to injured or ill employees while they recover. In the event of a death, survivors receive death benefits.

Every state has different requirements for worker’s compensation. Depending on where your business is located or where your drivers travel, you may have to provide coverage for all of your drivers or only those employed by you. In many states, independent contractors are exempt, but you have to check with your insurance agent to be sure. The penalty for not purchasing worker’s comp coverage includes anything from fines to seizure of your business, and even jail time.

Workers Compensation for the Trucking Industry

Worker’s comp coverage is a necessity for any trucking company. Thanks to other drivers on the roads, heavy lifting, and simply sitting too long, truckers are more susceptible to injury than most other industries. The medical costs alone could bankrupt a company if you had to pay out of pocket.

Workers compensation coverage can’t be avoided, and neither can accidents and injuries. But, you can lower your costs by lowering the number of accidents.

The most common injuries in the trucking industry are:

  • Vehicular accidents
  • Slips and falls – especially getting into and out of the truckers
  • Strains and other injuries – most often occurring while loading and unloading
  • Crush injuries – from falling items, heavy equipment, etc.

In order to prevent accidents and injuries, it helps to have policies and procedures in place that all drivers are required to follow:

  • Safety program – all employees should receive training at least once a year of best practices on how to avoid accidents
  • Wellness program – this keeps employees healthier, especially good for drivers who sit for hours at a time
  • Accident reporting procedure – this can lower the overall cost of individual claims

An ounce of prevention is worth a pound of cure, especially in the trucking industry. Workers compensation insurance is a legal requirement for all businesses and makes good business sense. You shouldn’t have to pay any more than necessary, though. Implementing a few policies and procedures and requiring your employees to follow them will go a long way in reducing your overall costs.

To find ways to reduce accidents with your drivers, check your coverage, or get a quote for a new policy, contact the team at We’re here to help you protect your business and your employees.

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